Value of up to $2,300 is calculated as follows: i) up to $583.30 first year value with the StartRight^TM Program + ii) Up to $2,083 in Preferred Package, a registered account and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:

 

i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRight^TM clients as of November 1, 2025:

• $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
• $280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer);
• $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade)

Actual value will depend on individual usage of the StartRight^TM Program features and products. Conditions apply. All products and features are subject to change.

ii) Value of up to $2,083 in Scotiabank welcome offer value, first year point earn potential and foreign transaction fee savings includes the following as of November 1, 2025:

• $700: $500 for new Preferred and Ultimate Package clients who complete certain qualifying conditions. Clients who are eligible for the $500 offer can then get an extra $100 with a new Money Master Savings account and/or an extra $100 with a new eligible registered account when they complete certain qualifying transactions; 
• $350 in travel rewards (35,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months;
• $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months);
• $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients;
• $136 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee markup typically charged by card issuers);
• $381 in first year point earn potential (38,100 Scene+ points) on everyday purchases based on average annual first year spend per account with an average spend of 20% in 2X accelerator categories;
• $366 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on ‘Preferential’ membership valued at approx. CAD$366/USD$259). Currency conversion as at April 9, 2025.
  
  Actual offers and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Scotiabank StartRight® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.

The 1-Year No Monthly Account Fee Offer (the “Offer”) is available to eligible clients who open a new Preferred Package account under the StartRight^™ Program (the “Account”). Employees of The Bank of Nova Scotia (“Scotiabank”) and individuals who are currently or were previously holders/ joint holders of a Scotiabank chequing account within the last 2 years are not eligible for this Offer. If you are eligible for the Offer, during the first 12 months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions. This Offer is non-transferable and cannot be combined with any other offers. Maximum one Offer per customer. All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled, or extended at any time without notice.

For clients onboarded as a part of the Scotiabank StartRight^® Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at https://www.scotiabank.com/international-money-transfer.

Scene+ points can be redeemed for travel, entertainment, shopping, dining, banking or online at www.sceneplus.ca. A ScotiaCard debit card and/or eligible Scotiabank credit card must be connected to a Scene+ membership in order to earn and redeem Scene+ points. Eligible Scotiabank Scene+ credit cards provide Scene+ point accelerators ranging from 2X, 3X, 5X and 6X the Scene+ points on certain purchases. Visit Scotiabank.com/sceneplusrewards to learn more. Certain limits, terms and conditions apply.

Subject to credit approval and other conditions. Only available for the following select countries: Australia, Austria, Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Africa, South Korea, Spain, Switzerland, the United Kingdom, United States and Ukraine. Select countries are subject to change without notice.

Nova Credit reporting service is provided by a third party (Nova Credit). The Bank of Nova Scotia is not responsible for this service including any credit reports or scores provided using the service.

Accessing your credit report through Nova Credit may impact your home country credit score. Please refer to this link for more details.

NO PURCHASE OR ACCOUNT OPENING NECESSARY. Contest runs from January 22nd, 2026 at 12:00:01 am (ET) to March 31st, 2026 at 11:59:59 pm (ET). Open to Canadian residents over age of majority. Limit one initial entry and 10 additional entries per person. Limit one prize per person. Two prizes available, each consisting of two artist proofs (approx. value: $2,000 CAD per prize). Skill-testing question required. Odds depend on number of entries received. Some conditions apply. See full rules at: https://arm6.scotiabank.com/en-ca/#fullRules

Awarded Best Banking Offer for Newcomers in 2025 by Ratehub.

Registered trademarks of The Bank of Nova Scotia.

Trademark of The Bank of Nova Scotia.

Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.

Registered trademark of The Bank of Nova Scotia, used under license.

The "AP edition" (Artist Proof edition) represents a select group of prints personally proofed by the artist, chosen for their exceptional quality.